474 Laurina St · Jacksonville, FL 32216

$190,000

2 bd · 1.0 ba · 1,122 sqft · SingleFamily public records · 16 Days on market

Built 1949 8,712 sqft lot Est $230k · 17% under

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +16.9/30.0
• ARV discount +15.0/15.0
• DSCR +5.2/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• 1% rule +3.5/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks

Charming 3 bedroom home featuring hardwood floors in the bedrooms, new carpet in the living and dining areas, and a bright enclosed sunroom perfect for a home office, hobby room, or additional living space. The functional layout offers comfortable living with plenty of flexibility to make the space your own. Step outside to enjoy the spacious, fully fenced backyard complete with a large pergola covered deck, ideal for entertaining or relaxing. A detached two car garage and storage shed provide additional convenience and versatility. Situated on a generously sized lot, this property offers plenty of outdoor space while remaining conveniently located near shopping, dining, and major roadways.

Key facts

• New carpet
• Enclosed sunroom
• Hardwood floors

Tags

• HARDWOOD FLOORS
• NEW CARPET
• ENCLOSED SUNROOM
• FULLY FENCED BACKYARD
• LARGE PERGOLA COVERED DECK
• DETACHED GARAGE

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Detached garage; 2-car garage
• Utilities: Public sewer; Electricity available; Water available; Sewer available
• Home design: Single family residence; One story
• Construction: Shingle roof
• Exterior features: Fenced backyard with wood fencing; City street frontage; Paved road access

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fan(s)
• Laundry & utility: Washer included

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $125 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $162k (14.5% below list).
• Recommended offer: $162k (14.5% below list) — sets the bar for 1% rule.
• Cap rate 7.1% vs local median 3.9% in Jacksonville — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 83/100 on livability (#50 in FL, #911 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+.
• Duval (urban): math 46% / reading 45% proficiency, ranked #48 of 73 in FL (top 66%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Holiday Hill Elementary School (math 57% / reading 53%, grade C, #872 of 2,144 statewide, top 42%, 489 students, 47% FRL); Arlington Middle School (math 23% / reading 21%, grade F, #549 of 571 statewide, top 97%, 798 students, 74% FRL); Englewood High School (math 21% / reading 21%, grade F, #551 of 667 statewide, top 83%, 1,741 students, 58% FRL).
• Zoned-school proficiency averages 33% at this address vs 46% district-wide (-13 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.2%/yr); 223 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 32% of the median local income ($62k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($187k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1949 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $162,393 (14.5% below list)

Questions for the listing agent

1. Built in 1949 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.85% ✗
• Cap rate: 7.08%
• Cash-on-cash: 2.81%
• DSCR: 1.12
• GRM: 9.8

CMA / ARV

• ARV (on-the-fly): $230,010
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6500 Altama Rd	0.18mi	2/1.0	1,085 (-3%)	3mo	$225,000	$207	83
773 Wren Rd	0.32mi	2/1.0	1,170 (+4%)	2mo	$239,900	$205	76
442 Tabor Dr W	0.21mi	2/1.0	1,209 (+8%)	8mo	$176,000	$146	71
780 Leafy Ln	0.32mi	3/1.0 (+1)	1,150 (+2%)	7mo	$245,000	$213	70
455 Aiken Rd	0.09mi	3/1.0 (+1)	1,242 (+11%)	7mo	$217,500	$175	67
723 Leafy Ln	0.24mi	2/1.0	1,034 (-8%)	12mo	$197,000	$191	66
910 Nightingale Rd	0.36mi	3/1.0 (+1)	1,264 (+13%)	2mo	$260,000	$206	55
6868 Crane Ave	0.20mi	3/2.0 (+1)	1,236 (+10%)	13mo	$290,000	$235	54
41 Agnue Ave	0.47mi	3/1.0 (+1)	1,046 (-7%)	13mo	$190,500	$182	52
306 Brunswick Rd	0.29mi	3/2.0 (+1)	1,264 (+13%)	8mo	$252,750	$200	50
7125 Silver Lake Ter	0.55mi	3/2.0 (+1)	1,184 (+6%)	8mo	$194,000	$164	49
7110 Waikiki Rd	0.54mi	3/2.0 (+1)	1,240 (+10%)	3mo	$270,000	$218	46

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -15.0%
• Equity multiple: 0.48×
• Total profit: $-27,686
• Equity at exit: $28,330

10-year hold

• IRR: -11.7%
• Equity multiple: 0.39×
• Total profit: $-32,573
• Equity at exit: $16,428

Cash invested: $53,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32216

• Rents YoY: -0.2%
• Active inventory: 223
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $1,624 high
• Mortgage (P&I): −$996
• Tax from tax record: −$83 /mo · $994/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $125

Break-even live

Break-even rent $1,466

Max offer price $190,000

Occupancy floor 87%

Sensitivity live

Price	-10% $232	-5% $178	+0% $125	+5% $71	+10% $17
Rent	-10% $-4	-5% $60	+0% $125	+5% $189	+10% $253
Rate	-1.0pp $220	-0.5pp $173	base $125	+0.5pp $75	+1.0pp $25

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7811 Aquarius Cir S Jacksonville, FL	3.0	2.0	1298	$1,760	$1.36	25d	1	0.79mi
421 Aralia Ln Jacksonville, FL	3.0	2.5	1492	$1,681	$1.13	22d	1	0.91mi
1620 Bartram Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1259	$1,659	$1.32	4d	14	0.92mi
5811 Atlantic Blvd Jacksonville, FL	1.0–2.0	1.0–1.5	888	$1,375	$1.55	5d	2	0.92mi
1515 Pullen Rd Unit 4 Jacksonville, FL	2.0	1.0	800	$1,100	$1.38	25d	1	0.92mi
7346 El Barco Rd #8 Jacksonville, FL	2.0	2.0	992	$1,295	$1.31	25d	1	1.07mi
7346 El Barco Rd #8 Jacksonville, FL	2.0	2.0	992	$1,295	$1.31	15d	1	1.07mi
7600 Free Ave Jacksonville, FL	3.0	2.0	1229	$1,745	$1.42	25d	1	1.08mi
8232 Rigel Rd Jacksonville, FL	3.0	2.5	1372	$1,610	$1.17	15d	1	1.08mi
3000 Coronet Ln Jacksonville, FL	1.0–3.0	1.0–2.0	1017	$1,369	$1.35	25d	5	1.08mi
8236 Rigel Rd Jacksonville, FL	3.0	2.5	1358	$1,585	$1.17	25d	1	1.08mi
551 Eiseman Way Jacksonville, FL	3.0	2.5	1358	$1,620	$1.19	25d	1	1.09mi
8252 Rigel Rd Jacksonville, FL	3.0	2.5	1358	$1,625	$1.20	25d	1	1.10mi
8290 Rigel Rd Jacksonville, FL	3.0	2.5	1358	$1,595	$1.17	25d	1	1.15mi
7632 Hare Ave Jacksonville, FL	3.0	2.0	1169	$1,690	$1.45	25d	1	1.19mi
8000 Dandy Ave Jacksonville, FL	3.0	2.0	1330	$1,761	$1.32	9d	1	1.22mi
7505 Beach Blvd Jacksonville, FL	3.0	1.0–2.0	900	$1,417	$1.57	25d	20	1.24mi
7703 Hare Ave Jacksonville, FL	2.0	1.0	700	$1,099	$1.57	4d	1	1.26mi
5201 Atlantic Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	1140	$1,480	$1.30	3d	3	1.26mi
5201 Atlantic Blvd Jacksonville, FL	1.0	1.0	830	$1,075	$1.30	9d	2	1.26mi
5201 Atlantic Blvd Jacksonville, FL	1.0	1.0–1.5	830	$1,075	$1.30	12d	3	1.26mi
6650 Corporate Center Pkwy Jacksonville, FL	1.0–3.0	1.0–2.0	990	$2,304	$2.33	3d	12	1.31mi
514 Narnia Ct Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	25d	1	1.37mi
514 Narnia Ct Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	16d	1	1.37mi
513 Narnia Ct Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	5d	1	1.41mi
514 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	25d	1	1.43mi
514 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	16d	1	1.43mi
558 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	16d	1	1.43mi
558 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	22d	1	1.43mi
471 Matilda Ln Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	18d	1	1.43mi
471 Matilda Ln Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	16d	1	1.43mi
574 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	25d	1	1.43mi
574 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	16d	1	1.43mi
451 Matilda Ln Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	16d	1	1.43mi
451 Matilda Ln Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	9d	1	1.43mi
8319 Dandy Ave Jacksonville, FL	2.0	1.0	883	$1,650	$1.87	25d	1	1.43mi
8778 Buzz Ct Jacksonville, FL	3.0	2.0	1212	$1,800	$1.49	25d	1	1.44mi
4800 Atlantic Blvd Jacksonville, FL	1.0–2.0	1.0–1.5	750	$1,269	$1.69	3d	12	1.45mi
454 Terabithia Way Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	5d	1	1.45mi
535 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	16d	1	1.46mi

Listing history 12 events

1. 2026-06-21
   days on market $190,000 Active 16 DOM
2. 2026-06-18
   days on market $190,000 Active 13 DOM
3. 2026-06-17
   days on market $190,000 Active 12 DOM
4. 2026-06-16
   days on market $190,000 Active 11 DOM
5. 2026-06-16
   status $190,000 Active 10 DOM
6. 2026-06-15
   statusdays on market $190,000 Active Under Contract 10 DOM
7. 2026-06-13
   days on market $190,000 Active 8 DOM
8. 2026-06-13
   days on market $190,000 Active 7 DOM
9. 2026-06-09
   days on market $190,000 Active 4 DOM
10. 2026-06-08
    days on market $190,000 Active 3 DOM
11. 2026-06-07
    remarks 699-char remark
12. 2026-06-07
    listed $190,000 Active 2 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $994 · $83/mo
• Projected year-2 tax: $1,577 · $131/mo
• Expected delta: +$583/yr (+$49/mo · 58.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,487
• − Mortgage interest: −$10,643
• − Property taxes: −$994
• − Insurance: −$950
• − Repairs & maintenance: −$1,559
• − Management: −$1,559
• − Depreciation: −$5,527
• Taxable loss: −$1,745
• Est. tax savings @ 24.0%: +$419
• After-tax cash flow: $1,913/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Duval
• NCES district ID: 1200480
• Math proficiency: 46% ▼ -11.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $48,987
• Composite: 38.97/100
• National rank: #4076
• State rank: #48 of 73 in FL

Livability — Jacksonville

• Score: 83/100
• State rank: #50
• US rank: #911

Category grades

Amenities A+ Commute A+ Cost of living A Crime C Employment C Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jacksonville, FL
• County: Duval County · 1,015,274 people
• City population: 979,034
• Metro: Jacksonville, FL
• Population (ZIP): 42,298
• Household income: $61,821
• Rent vs Own: 52.1% rent · 47.9% own
• Severe rent burden: 3324.0

Population outlook (Duval County) Hauer SSP2

• Today (2025): 1,013,010 people
• By 2030: 1,059,228 · +4.6%
• By 2040: 1,141,439 · +12.7%
• By 2050: 1,205,258 · +19.0%
• By 2075: 1,324,282 · +30.7%
• By 2100: 1,319,620 · +30.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 51% Black 22% Hispanic / Latino 16% Two or more races 11% Asian 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6% Cuban 4%
• Common ancestry: Italian 2% Lithuanian 2% American 2%
• Foreign-born: 16% · Canada, Vietnam, Philippines
• Languages at home: 78% English-only · Spanish 11% Other Indo-European 3% Arabic 2%

Political lean MEDSL · Duval

• 2024 margin: Toss-up / Even · D 48.7% · R 50.1% · Other 1.2%
• 2008→2024 swing: +0.4pp no change · 2008: -1.9pp · 2024: -1.5pp
• All cycles: 2024: R+1.5 2020: D+3.8 2016: R+1.5 2012: R+3.6 2008: R+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -221.05%
• Current HPI: 296.9579
• Rent YoY: ▼ -0.21%
• Metro: Jacksonville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

1 event — show timeline

• 2026-06-04 Listed $190,000 realMLS

Property tax history

+2.4%/yr

Latest (2025): $994 · +22.8% YoY. Source: county tax records.